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ALABAMA Interest Rates: Pre-Judgment: 6%, Judgment: 12%.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 6, Domestic Judgments: 20, Foreign Judgments: 20. Bad Check Laws (Civil Penalty): Greater of $10 or actual bank charges. General Garnishment Exemptions: 75% of wages are exempt from garnishment. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: Yes, Fee: $25 - $100 - Exemption for out-of-state collectors: Business License not required for out-of-state agency.

--->  Judgments with Debtors living in ALABAMA: 

CIVIL, CIRCUIT Court in MADISON county, ALABAMA, Judgment Date: 2008, Base J Amount approx: $117,990.56, plus 12.000% interest. Judgment value now is approx $150,066.67.
Debtor in Daphne - Baldwin county, Alabama. Default Judgment against giant mortgage company active in most states, registered in AL, corp status active. They have downsized but we think there are assets, - JB Ref# 241     (Back)

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ALASKA Interest Rates: Maximum: Pre-Judgment: 10.5%, Judgment: 10.5% or contractual. Statute Of Limitations (Years): Sale of Goods: 4, Written Contract: 6. Domestic Judgments: 10, Foreign Judgments: 10. Alaska requires Plaintiff to give half of (recovered) awarded punitive damages to the State. (This can be waived on small judgments.) Bad Check Laws (Civil Penalty): Damages in amount equal to $100 or triple the amount of the check whichever is greater. (But no more than $1000 over the amount of the check.) General Garnishment Exemptions: 75% of employee's weekly net income or $402.50 - whichever is more. Collection Agency Requirements and Licence Requirements: Bond: $5000, License Required: Yes, Fee: $100 - Application and $200 - Agency Biennially.

--->  Judgments with Debtors living in ALASKA:  All being enforced at this time.     (Back)

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ARKANSAS Interest Rates: Pre-Judgment: 6% (or 5 points above the Fed. discount rate.), Judgment: Contract rate or 10% per annum whichever is greater. Statute Of Limitations (Years): Open Account: 3, Written Contract: 5 (partial payment stops the statute from running), Sale of Goods: (UCC-2) - 4. Domestic Judgments: 10 - Renewable, Foreign Judgments: 10.
Bad Check Laws (Civil Penalty): Twice amount of check - can start out with $15 charge per NSF check after 30 days. General Garnishment Exemptions: $500 head of family or $200 single. Includes personal property except clothing. Collection Agency Requirements and Licence Requirements: Bond: $5,000 to $25,000 License Required: Yes, Fee: $125 - $5 each employee.

--->  Judgments with Debtors living in ARKANSAS:  All being enforced at this time.    (Back)

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ARIZONA (Community Property State) Interest Rates: Pre-Judgment: 10%, Judgment: 10% or contractual. Statute Of Limitations (Years): Open Account: 3, Written Contract: 6 in AZ (4 outside AZ). Domestic Judgments: 5 - additional 5 upon request (indefinitely), Foreign Judgments: 4. (After 4 years, you can't domesticate a judgment here, but you may be able to file a new lawsuit based on the original judgment.) Bad Check Laws (Civil Penalty): Twice the amount of check, costs of suit, and reasonable attorney fees. General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: Bond: $10,000 minimum (based on gross income), License Required: Yes, Fee: $1500 Application Fee and $600 Annual Fee plus $23 per Officers/Managers. To recover judgments, you should be a licensed as collection agency. Note that in Arizona, a corporation can represent itself in court.

--->  Judgments with Debtors living in ARIZONA: 

CIVIL, SUPERIOR Court in MARICOPA county, ARIZONA, Judgment Date: 2008, Base J Amount approx: $1,125,000.00, plus 10.000% interest. Judgment value now is approx $1,351,818.24.
Debtors in Laveen - Maricopa county, Arizona. Default. Scammer debtors once married (may still be) both liable. Male DOB 1964, Female DOB 1973) that most likely have assets that can be taken after chasing where they are. Debtors always rent to avoid having obvious assets. Scammers that dabble in more than 1 SS. These scammer debtors seem to not be pros. Strong employment lead for female debtor, - JB Ref# 236 This is related to - JB Ref# 238.

CIVIL, SUPERIOR Court in MARICOPA county, ARIZONA, Judgment Date: 2007, Base J Amount approx: $200,000.00, plus 10.000% interest. Judgment value now is approx $256,321.05.
Debtor in Tempe - Maricopa county, Arizona. Second judgment against another debtor on same case number. Male Debtor (DOB 1945) lives in a nice home he fully or partially owns. Has a 12K Fed tax lien. Debtor went BK 7 Asset in 2003, long before judgment, - JB Ref# 238 This is related to - JB Ref# 236.

SMALL CLAIMS, SUPERIOR Court in LOS ANGELES county, CALIFORNIA, Judgment Date: 2010, Base J Amount approx: $2,664.00, plus 10.000% interest. Judgment value now is approx $3,076.32.
Debtor in Mesa - Maricopa county, Arizona. Judgment against LLC only but person behind LLc is known and can be questioned and perhaps more. LLC has a few judgments against them, and LLC has at several; judgments against others. 2 judgments - same OJC, same debtor, - JB Ref# 230

SMALL CLAIMS, SUPERIOR Court in LOS ANGELES county, CALIFORNIA, Judgment Date: 2010, Base J Amount approx: $5,011.50, plus 10.000% interest. Judgment value now is approx $5,455.33.
Debtor in Mesa - Maricopa county, Arizona. Judgment against LLC only but person behind LLc is known and can be questioned and perhaps more. LLC has a few judgments against them, and LLC has at several; judgments against others. 2 judgments - same OJC, same debtor, - JB Ref# 231

CIVIL, SUPERIOR Court in MARICOPA county, ARIZONA, Judgment Date: 2010, Base J Amount approx: $95,805.76, plus 10.00% interest. Judgment value now is approx $97,511.66.
Debtor in Phoenix - Maricopa county, Arizona. 2 Married debtors, DOB 1969 and 1963. Own an auto repair shop in Phoenix. Both went BK 7 no asset in 1995, long before this judgment. Owns a house that is located in Phoenix AZ for 11 years but fraudulently changed the deed to his parents name after they lost the lawsuit. This FT Happened in 2010, so plenty of time to undo it, but it won't be easy as parents lived in that house before transfer. This is not easy, the JD's company is an LLC. JC has/is already garnishing the wife (day care help, very little there), JC has already garnished/levied bank accounts, The only thing left except the FT action is to garnish the husbands salary, but that's hard on a self-owned LLC. - JB Ref# 129

CIVIL, SUPERIOR Court in NAVAJO county, ARIZONA, Judgment Date: 2008, Base J Amount approx: $5,597.00, plus 10.00% interest. Judgment value now is approx $6,949.30.
Debtor in Show Low - Navajo county, . 2 judgments - First judgment was for $5,597 was for UD eviction. Second one $1,707 was for damages - second was Default - you get both to enforce, 3 debtors, one went BK 7 no asset in 2007 - which seems to be before Judgment, but just to be safe, don't enforce against her. 2 remaining debtors - Employment known for male debtor, DOB 1968, Female debtor DOB 1968, below avg debtors, but this judgment should be enforceable., - JB Ref# 169

SMALL CLAIMS, SUPERIOR Court in MARICOPA county, ARIZONA, Judgment Date: 2008, Base J Amount approx: $2,368.99, plus 10.00% interest. Judgment value now is approx $2,949.80.
Debtor in Phoenix - Maricopa county, Arizona. 2 related debtors, male DOB 1983 - landlord known. Lives in a house. Female DOB 1984, lives in a house in Avondale. Have SS and DL #s, never went BK. Seem stable, - JB Ref# 184     (Back)

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COLORADO Interest Rates: Pre-Judgment: 8%, Judgment: 8% (or higher if specified in contract or note)
Statute Of Limitations (Years): Open Account: 3, Written Contract: 6, Domestic Judgments - District Court: 20 (renewable every 20), County Court: 6 (renewable every 6), Foreign Judgments: 6.
Bad Check Laws (Civil Penalty): Treble Damages and Reasonable Fees General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: Bond: $12,000 - 20,000. License Required: Yes, Fee: Determined by collection agency board. Exemption for out-of-state collectors: Out of state collectors are exempt if (1) collecting only by interstate means (phone, fax, mail); (2) have no Colorado client; and [3] are regulated and licensed in the state in which they reside. To recover judgments, you should be a licensed as collection agency.

--->  Judgments with Debtors living in COLORADO: 

CIVIL, DISTRICT Court in LAFAYETTE county, LOUISIANA, Judgment Date: 2009, Base J Amount approx: $31,361.00, plus 9.75% interest. Judgment value now is approx $34,753.32.
Debtor in Gueydan - Vermillion county, Lousiana. From family court, but a regular civil judgment. Male debtor, DOB 1965, a lawyer, Currently living in San Miguel de Allende, Mexico, but family is based in U.S., and he returns often. Has business in Colorado. It is believed that most of his assets are in the U.S., but he is hiding them. Have full data on family members, and a number of bank accounts/locations for some of his businesses, - JB Ref# 187     (Back)

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CONNECTICUT Interest Rates: Pre-Judgment: 8%, Judgment: 10%.
Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, verbal Contract: 3, Domestic Judgments: 20 (sometimes 25) Small Claims Judgments: 10 (sometimes 15), Foreign Judgments: 20 Bad Check Laws (Civil Penalty): Personal liability of signatory on corporate claims unless signed in corporate capacity. General Garnishment Exemptions: 25% you may garnish disposable earnings each week, or 40 x federal minimum hourly wage, which ever is less. Collection Agency Requirements and Licence Requirements: Bond:$5000, License Required: Yes, Fee: $200 and $50 annually.

--->  Judgments with Debtors living in CONNECTICUT:  All being enforced at this time.     (Back)

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DELAWARE Interest Rates: Pre-Judgment and Judgment - Federal Reserve Discount Rate Plus 5%. Statute Of Limitations (Years): Sale of Goods: 4, Open Account: 4, Written Contract: 3, Domestic and Foreign Judgments: 10 years. Bad Check Laws (Civil Penalty): Amount due, cost of suit, and protest fees. General Garnishment Exemptions: 85% of disposable earnings or disposable earnings minus $150 weekly according to schedule. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: Yes, License Fee: $50 Yearly.

--->  Judgments with Debtors living in DELAWARE: 

CIVIL, SUPERIOR Court in FRANKLIN county, OHIO, Judgment Date: 2010, Base J Amount approx: $50,265.84, plus 10.00% interest. Judgment value now is approx $50,651.39.
Debtor in Salem - Tarrant county, Texas. 2 Ohio Judgments (same OJC, same debtors) that needs to be domesticated to *either* Arlington Texas or Delaware. 5 debtors - 3 people and 2 corporations. 3 people in their 30s and 40s (in Texas) and a Delaware company operating in Texas and a tiny California company both in business. 2 default judgments, only the biggest one listed on our site, other judgment goes along for the ride. Judgment 1: $16,600 in 2009 against both companies. Judgment 2 (the one on our site): $50,265 in 2010 against both companies and 3 individuals. One company is big and both have nice web sites. Of 5 entities, only 1 person went bk in 2003, long before judgments or actions leading to judgments. Bank account of big company known. - JB Ref# 137

CIVIL, JUSTICE Court in SUSSEX county, DELAWARE, Judgment Date: 2008, Base J Amount approx: $8,650.00, plus 5.75% interest. Judgment value now is approx $9,532.89.
Debtor in Seaford - Sussex county, Delaware. Delaware interest rate is Fed plus 5 or 5.75% now. Slight challenge - Debtor seems off the grid. Debtor about 50 years old - but is stable for being off the grid - lives with younger wife in his Dad's house and runs a daycare business out of the house. Dad shows up on the grid very well as DOB 1940 - so it should be easy to do an exam of wife and dad to get exact info on debtor - and move in for an enforcement. And Judgment is for about 10K - OJC says. - JB Ref# 117     (Back)

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DISTRICT OF COLUMBIA Interest Rates: Pre-Judgment: 6%, Judgment: 6% or 70% of interest rate on taxes to IRS. Statute Of Limitations (Years): Open Account: 3, Written Contract: 3, Domestic Judgments: 20, Foreign Judgments: Foreign Statute.
Bad Check Laws (Civil Penalty): Amount Due - and Protest Fees. General Garnishment Exemptions: See federal law. D.C. Government employees are not attachable. (The Feds protect their own.) Collection Agency Requirements and Licence Requirements: None.

--->  Judgments with Debtors living in DISTRICT OF COLUMBIA:  All being enforced at this time.

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FLORIDA (Debtor-Friendly State) Interest Rates: Pre-Judgment: 10%, Judgment: 10% or up to 18% if contractual.
Statute Of Limitations (Years): Open Account: 4, Written Contract: 5, Domestic Judgments: 20, (7 Renewable), Foreign Judgment: 5 (if not recorded instate).
Bad Check Laws (Civil Penalty): After 30 day demand - treble amount in addition to amount owed, bank, court costs, and reasonable attorney fees. General Garnishment Exemptions: See federal law. - Except 100% head of household is off-limits. Ultra debtor-friendly Homestead Exemption, and first $1,000 of automobile. Collection Agency Requirements and Licence Requirements: Bond: Yes, $50,000 (Commercial), License Required: Yes, Fee: Yes, $250 - Registration and $200 annually. Exemption for out-of-state collectors: Registration is required for out-of-state collectors if (1) soliciting accounts; (2) if client (creditor, its affiliate or subsidiary) has an office in Florida. Wage Garnishments not allowed on Head Of Household. It costs about $433 to domesticate a Judgment to FL. In Florida, corporations can represent themselves in Small Claims court, for matters up to $5,000.

--->  Judgments with Debtors living in FLORIDA: 

UNLAWFUL DETAINER, SUPERIOR Court in KINGS county, NEW YORK, Judgment Date: 2006, Base J Amount approx: $3,225.00, plus 9.000% interest. Judgment value now is approx $4,568.71.
Debtor in Tallahassee - Leon county, Florida. Stipulated judgment. 2 Female debtors (DOB 1971 and 1950.) Believed to be mother and daughter. Employment known for younger debtor. Need to be domesticated to FL. Not rich, but should be enforceable, - JB Ref# 263

SMALL CLAIMS, SUPERIOR Court in Hillsborough county, FLORIDA, Judgment Date: 2005, Base J Amount approx: $1,175.00, plus 7.000% interest. Judgment value now is approx $1,616.84.
Debtor in Thonotosassa - Hillsborough county, Florida. Stipulated judgment, not default. Female Debtor (DOB 1971) Tells OJC she is homeless - but never BK, and lives with mom in house mom owned till she sold it last year, works, employment known, has car but does not live in it, Not perfect record, but we think she can pay this judgment, - JB Ref# 253

CIVIL, SUPERIOR Court in MARION county, FLORIDA, Judgment Date: 2007, Base J Amount approx: $150,000.00, plus 10.000% interest. Judgment value now is approx $193,938.50.
Debtor in Ocala - Marion county, Florida. Debtor shares SS with his wife. Statewide lien recorded. Strong employment lead to good job. Debtor believed to have assets. Debtor repaid 5K already. Lives in house with wife, landlord known, - JB Ref# 229

SMALL CLAIMS, SUPERIOR Court in ALAMEDA county, CALIFORNIA, Judgment Date: 2010, Base J Amount approx: $5,050.00, plus 10.000% interest. Judgment value now is approx $5,109.49.
Debtor in Seminole - Seminole county, Florida. Small claims judgment in CA, against both a dissolved Florida company - that was doing business being dissolved, and also against an active LLC in Florida - both run by the same guy. Needs to be domesticated to Florida. Web site up and running - JB Ref# 225

SMALL CLAIMS, SUPERIOR Court in BURLINGTON county, NEW JERSEY, Judgment Date: 2009, Base J Amount approx: $2,346.00, plus 4.00% interest. Judgment value now is approx $2,456.02.
Debtor in Largo - Pinellas county, Florida. Docketed, - Uses same SS as his father and grandfather, he lives at the same address as his father in largo florida, he was a chiropractor over in PA licensed however is mooching off of his father in Largo, FL now. Needs to be domesticated in FL. Debtor has unique name, - JB Ref# 177

CIVIL, SUPERIOR Court in BROWARD county, FLORIDA, Judgment Date: 2001, Base J Amount approx: $94,434.91, plus 6.00% interest. Judgment value now is approx $143,963.76.
Debtor in Sunrise - Broward county, Florida. Judgment against a guy who died on 2005 and an active Florida corporation with a web site. Can one go after a dead person's estate 6 years later from probate? Don't know. Can one go against the corp, yes. Does the corp own anything, or can it be pierced? Don't know, - JB Ref# 202

SMALL CLAIMS, SUPERIOR Court in SARASOTA county, FLORIDA, Judgment Date: 2010, Base J Amount approx: $4,850.00, plus 6.00% interest. Judgment value now is approx $4,883.48.
Debtor in Sarasota county, Florida . Debtor is a going big company with good web, a block from the court house. Service on president is good, should be easy to enforce this one. Note: Name on Judgment slightly misspelled., - JB Ref# 170

CIVIL, SUPERIOR Court in DADE county, FLORIDA, Judgment Date: 2009, Base J Amount approx: $7,499.00, plus 8.00% interest. Judgment value now is approx $8,376.57.
Debtor in Miami - Dade county, Florida. Female Debtor, DOB 1972. Employment known. Already recorded at State level., - JB Ref# 175

SMALL CLAIMS, SUPERIOR Court in RIVERSIDE county, CALIFORNIA, Judgment Date: 2009, Base J Amount approx: $7,575.00, plus 10.00% interest. Judgment value now is approx $8,429.92.
Debtor in Kissammee - Osceola county, Florida. Male Debtor, DOB 1957, lives in house, landlord known, employer known, bank possibly known. Judgment has to be domesticated to FL. Debtor owns a Wyoming corporation, also liable on judgment. - JB Ref# 156     (Back)

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GEORGIA Interest Rates: Pre-Judgment: 7%, Judgment: Prime Rate plus 3% (Before 7-1-2003, they earned 12%), Commercial Accounts: 18%. Statute Of Limitations (Years): Open Account: 4, Written Contract: 6, Domestic Judgments: 7 (GA Judgments good for 7 years, then they go dormant - you need to revive them within 3 years or they are dead.), Foreign Judgments: 5. Bad Check Laws (Civil Penalty): After 10 day written demand double damages up to $500 and service charge of $20 or 5%, whichever is greater. General Garnishment Exemptions: See federal law. City, County and State employees may be garnished - woo hoo. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No.

--->  Judgments with Debtors living in GEORGIA:  All being enforced at this time.     (Back)

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HAWAII Interest Rates: Pre-Judgment: 10%, Judgment: 10%. Statute Of Limitations (Years): Sale of Goods: 6, Open Account: 6, Written Contract: 6, Domestic Judgments: 10. Foreign Judgment: 6 for first registration (10 for future registrations). Bad Check Laws (Civil Penalty): Damages equal to $100 or triple amount of check, not to exceed $500. General Garnishment Exemptions: 95% of 1st $100, 90% of 2nd $100, 80% net wages in excess of $200 per month - or federal limits whichever is greater. Collection Agency Requirements and Licence Requirements: Bond: $25,000 and $15,000 each office, License Required: Registration with "DCCA" required for consumer, not commercial, collections Fee: About $250 to start, then about $100 a year. And Assignees Of Record cannot domesticate judgments into this state!

--->  Judgments with Debtors living in HAWAII:  All being enforced at this time.     (Back)

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IDAHO (Community Property State) Interest Rates: Pre-Judgment: 12%, Judgment: 10.875% plus the base rate.
Statute Of Limitations (Years): Open Account or verbal Contract: 4, Written Contract: 5, Domestic Judgments: 5 (renewable), Foreign Judgments: 6 (renewable). Bad Check Laws (Civil Penalty): Triple amount of check up to $500 over the check amount. General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: Bond: $5,000 initial, License Required: Yes, Fee: $150 - then $50 a year. Exemption for out-of-state collectors: Out-of-state collectors may qualify for a special license if (1) only collecting for client; and (2) are licensed and bonded by any state. To recover judgments, you should be a licensed as collection agency.

--->  Judgments with Debtors living in IDAHO:  All being enforced at this time.     (Back)

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ILLINOIS Interest Rates: Pre-Judgment: 5%, Judgment: 9%. Statute Of Limitations (Years): Sales (UCC): 4, Open Account: 5, Written Contract: 10, Domestic Judgments: 20. Foreign Judgment: Same as foreign jurisdiction. Bad Check Laws (Civil Penalty): Triple check amount up to $500, attorney fees and court costs. General Garnishment Exemptions: 15% of gross wages or disposable earnings for workweek up to 45x federal minimum hourly wage, whichever is greater. Collection Agency Requirements and Licence Requirements: Bond: $25,000, License Required: Yes, Fee: $750 - and $750 a year. Exemption for out-of-state collectors: Out-of-state collectors may be exempt if (1) not soliciting accounts in Illinois; (2) their state of residence has laws which provide similar reciprocity (allow out-of-state agencies to collect only); and (3) the state in which the non-Illinois agency resides extends the same privileges to out-of-state agencies.

--->  Judgments with Debtors living in ILLINOIS: 

CIVIL, SUPERIOR Court in KINGS county, NEW YORK, Judgment Date: 2000, Base J Amount approx: $2,436.43, plus 9.00% interest. Judgment value now is approx $4,630.72.
Debtor in Elmhurst - Du Page county, Illinois. Male debtor, DOB 1958. Default. OJC's reported SS and DOB seem wrong. Using Nexis found the right debtor, almost same age, same addresses, very confident we have the right one. NY judgment needs to be domesticated to Illinois. Debtor Owns house he lives in, - JB Ref# 211

Unlawful Detainer, SUPERIOR Court in COOK county, ILLINOIS, Judgment Date: 2008, Base J Amount approx: $8,300.00, plus 8.00% interest. Judgment value now is approx $9,598.72.
Debtor in Orland Park - Cook county, Illinois. 2 debtors, married, DOB 1962 and 1963, both likely employed, have employer info. - JB Ref# 126

CIVIL, JUDICIAL Court in OSCEOLA county, FLORIDA, Judgment Date: 2010, Base J Amount approx: $3,995.00, plus 6.00% interest. Judgment value now is approx $4,074.45.
Debtor in Zeigler - Franklin county, Illinois. Needs to be domesticated to Illinois. Default, Avg married Male debtor, DOB 1970, Employer and bank account known in Illinois. Might own property in FL. Has went BK 3 times recently "can't" do it again , last time was chap 13 - JB Ref# 135     (Back)

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INDIANA Interest Rates: Pre-Judgment: 8%, Judgment: 8%. Statute Of Limitations (Years): Open Account: 6, Written Contract for payment of money (executed before 9/l/82): 10, (executed after 8/31/82): 6. Written Contract (other than payment of money): 10, Written Contract for sale of goods: 4, Domestic Judgment: 10 on real estate and 20 against the person, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): Triple check amount up to $500 over check amount, and attorney fees and interest up to 18% per year or triple check amount and attorney fees and interest at 8% per an year General Garnishment Exemptions: 75% of disposable earnings for work week or the amount of 30x fed. minimum hourly wage, whichever is greater. Collection Agency Requirements and Licence Requirements: Bond: $5,000 each office, License Required: Yes, Fee: $100 plus $5 per year, for each unlicensed employee and $30 branch office $80 - annual Renewal. Exemption for out-of-state collectors: Out-of-state collectors are exempt from licensing if (1) collecting for a nonresident creditor; and (2) collection activities limited to interstate communications (phone, fax, mail).

--->  Judgments with Debtors living in INDIANA: 

SMALL CLAIMS, SUPERIOR Court in MARION county, INDIANA, Judgment Date: 2007, Base J Amount approx: $2,000.00, plus 10.00% interest. Judgment value now is approx $2,542.94.
Debtor in Indianapolis - Marion county, Indiana . Judgment against male debtor DOB 1968 and his construction company. Not default. - JB Ref# 139     (Back)

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IOWA Interest Rates: Pre-Judgment: 5%, Judgment: 10%. Statute Of Limitations (Years): Open Account: 5, Written Contract: 10, Domestic Judgments: 10 (can be renewed in the 9th year), Foreign Judgment: 10 (can be renewed in the 9th year). Bad Check Laws (Civil Penalty): Triple check up to $500 over check amount. General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No. The Iowa Bar Association says judgments must be purchased for cash up-front.

--->  Judgments with Debtors living in IOWA: 

CIVIL, SUPERIOR Court in SCOTT county, IOWA, Judgment Date: 2009, Base J Amount approx: $14,837.21, plus 5.000% interest. Judgment value now is approx $15,442.81.
Debtor in Davenport - Scott county, Iowa. Summary Judgment. Company is in business, with a building, employees, great web site, corp status active, sells to the public. Sure seems successful enough to enforce the judgment against, - JB Ref# 243

CIVIL, SUPERIOR Court in JOHNSON county, IOWA, Judgment Date: 2006, Base J Amount approx: $6,170.00, plus 10.00% interest. Judgment value now is approx $8,448.52.
Debtor in Iowa City - Johnson county, Iowa. Debtor is young DOB 1974, unique name, employed before, has skills. Judgment has costs and fees at 18% as per Judge - it might even be enforcement costs are 18% too. Word is that Johnson County Judges do not like Judgment Enforcers. This one might be best for a lawyer to Enforce - JB Ref# 58     (Back)

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KANSAS Interest Rates: Pre-Judgment: 10%, Judgment: 12%. Statute Of Limitations (Years): Open Account: 3, Written Contract: 5, Domestic Judgments: 5 renewable, Foreign Judgment: 5 renewable. Bad Check Laws (Civil Penalty): Three times check amount - not exceeding the check amount by $500 or $100 whichever is greater, plus attorney fees. General Garnishment Exemptions: See federal law. Plus other personal property, benefit exemptions, and homestead. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No. Wage garnishments not allowed by Assignees.

--->  Judgments with Debtors living in KANSAS:  All being enforced at this time.     (Back)

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KENTUCKY Interest Rates: Pre-Judgment: 8%, Judgment: 12%. Statute Of Limitations (Years): Open Account or verbal contract: 5, Written Contract: 15, Domestic Judgments: 15, Foreign Judgment: 15. Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: 75% of disposable income or 30 times the federal minimum hourly wage (whichever is greater) Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No. This state is JE friendly.

--->  Judgments with Debtors living in KENTUCKY:  All being enforced at this time.     (Back)

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LOUISIANA (Community Property State) Interest Rates: Pre-Judgment or Judgment: 9.75%.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 10, Promissory Notes: 5, Domestic Judgments: 10, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): After 30 day written demand (certified or registered), twice check amount plus Attorney fees and court costs. General Garnishment Exemptions: 75% disposable earnings per work week, but not less than 30x federal minimum hourly wage. Collection Agency Requirements and Licence Requirements: Bond: Yes, $10,000, License Required: Yes, Fee: $400 plus $100 per branch, plus renewal fees.

--->  Judgments with Debtors living in LOUISIANA: 

CIVIL, DISTRICT Court in LAFAYETTE county, LOUISIANA, Judgment Date: 2009, Base J Amount approx: $31,361.00, plus 9.75% interest. Judgment value now is approx $34,753.32.
Debtor in Gueydan - Vermillion county, Lousiana. From family court, but a regular civil judgment. Male debtor, DOB 1965, a lawyer, Currently living in San Miguel de Allende, Mexico, but family is based in U.S., and he returns often. Has business in Colorado. It is believed that most of his assets are in the U.S., but he is hiding them. Have full data on family members, and a number of bank accounts/locations for some of his businesses. , - JB Ref# 187     (Back)

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MAINE Interest Rates: Pre-Judgment: 8%, Post Judgment: 15%, (less than $30,000), Treasury Bill rate over $30,000.
Statute Of Limitations (Years): Open Account: 6, Written Contract: 6 + 20 (with attestment), Domestic Judgments: 20, Foreign Judgment: 20.
Bad Check Laws (Civil Penalty): Amount due, court costs, service and collection costs. General Garnishment Exemptions: 75% of disposable income or 40 times the federal minimum wages per week (whichever is less). Collection Agency Requirements and Licence Requirements: Bond: $25,000 to $50,000, License Required: Yes, Fee: $400 Yearly. Exemption for out-of-state collectors: Contact state authority. Licensing authority is allowing some exemptions to out-of-state agencies that collect for nonresident creditors and are not soliciting.

--->  Judgments with Debtors living in MAINE:  All being enforced at this time.     (Back)

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MARYLAND Interest Rates: Pre-Judgment: 6%, Judgment: 10% or contractual. Statute Of Limitations (Years): Open Account: 3, UCC: 4, Specialty: 12 (contract under seal), Written Contract: 3, Domestic Judgments: 12, Foreign Judgments: 12. Bad Check Laws (Civil Penalty): After 30 day written notice, amount due, $25 fee, twice check amount up to $1000. (At the discretion of the court.) Applies to COD sales only. General Garnishment Exemptions: Greater of 75% or amount equal to $145x number of weeks in which wages due were earned; except in Caroline, Worchester, Kent and Queen Anne's Counties - see federal law. Exemption is up to $3,000 in cash and/or property for non-wage property exemption. Collection Agency Requirements and Licence Requirements: Bond: $5000, License Required: Yes, Fee: $200 each office.

--->  Judgments with Debtors living in MARYLAND:  All being enforced at this time.     (Back)

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MASSACHUSETTS Interest Rates: Pre-Judgment: 6%, Judgment: 12%, Contract: 12%.
Statute Of Limitations (Years): Open Account on Contract: 6, Contract: 6, Sales (UCC) Contract: 4, Domestic Judgment: 20 (presumed satisfied after 20 years), Foreign Judgment: 20, Contracts Under Seal: 20. Bad Check Laws (Civil Penalty): Amount due, costs of suit, protest fees AND Additional damages $100 - $500 can be assessed. General Garnishment Exemptions: $125 week. Collection Agency Requirements and Licence Requirements: Bond: $10,000 - $25,000, License Required: Yes, Fee: Determined by commissioner.You must be a collection agency to enforce judgments in MA as of 2010.

--->  Judgments with Debtors living in MASSACHUSETTS:  All being enforced at this time.     (Back)

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MICHIGAN Interest Rates: Pre-Judgment: 5%, Judgment: about 7% - changes semiannually, Usury limit 25%. Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Sales (UCC) Contract: 4, Domestic Judgments: 10 renewable, Foreign Judgments: 10. Bad Check Laws (Civil Penalty): Twice the amount of check- not to exceed $500. Retail Claims - Notice Requirements. General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: (Retail Only) Bond: $5,000 - $50,000, License Required: Yes, Fee: About $500 and $125 Annually. Exemption for out-of-state collectors: Out-of-state collector are exempt if (1) collecting by interstate means; and (2) have no clients in the state of Michigan. Note that Michigan is not JE-friendly, in Michigan, small claims judgments cannot be assigned.

--->  Judgments with Debtors living in MICHIGAN: 

UNLAWFUL DETAINER, JUDICIAL Court in OAKLAND county, MICHIGAN, Judgment Date: 2009, Base J Amount approx: $2,460.00, plus 10.000% interest. Judgment value now is approx $2,730.90.
Debtor in Clawson - Oakland county, Michigan. Not default Landlord/tenant judgment. 2 debtors, probably married, Female (DOB 1983) never BK, is on the grid, living with a friend or relative in a house. Male debtor is off the grid with a too-common name, so leaning on Female debtor is the way to go on this one, - JB Ref# 240

CIVIL, SUPERIOR Court in TUSCOLA county, MICHIGAN, Judgment Date: 2002, Base J Amount approx: $1,176,154.25, plus 4.14% interest. Judgment value now is approx $1,543,100.84.
Debtor in Presque Island - Presque county, Michigan. Male Debtor DOB 1949, went bankrupt 13 voluntary asset - but did not list OJC, and judgment was for wrongful death, so not dischargeable. Debtor is a commercial driver. Keeps assets in parent's name or his sister's name. OJC wants to sell judgment for CASH only, make an offer! - JB Ref# 161     (Back)

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MINNESOTA Interest Rates: Pre-Judgment: 6%, Judgment: 5% (Changes Yearly), Business or Agricultural Loan: 4.5% over federal discount rate. Statute Of Limitations (Years): Goods Sold and Delivered (UCC): 4, Open Account: 6, Written Contract: 6, Transportation Service: 3, Domestic Judgments: 10, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): $100 or up to 100% of the value of the check, whichever is greater, plus interest at the rate payable on judgments on the face amount of check, plus reasonable attorney fees if aggregate amount of checks within 6 month period is over $1,250. General Garnishment Exemptions: Greater of 75% or amount equal to 40x federal minimum hourly wage. Collection Agency Requirements and Licence Requirements: Bond: $5,000 to $20,000, License Required: Yes, Fee: About $1,500 plus $10 per Collector. The Minnesota Department of Commerce says that you must either buy judgments for cash up front or be a licensed as collection agency.

--->  Judgments with Debtors living in MINNESOTA: 

FAMILY, SUPERIOR Court in OLMSTEAD county, MINNESOTA, Judgment Date: 2010, Base J Amount approx: $11,768.47, plus 5.00% interest. Judgment value now is approx $11,871.63.
Debtor in Rochester - Olmsted county, Minnesota. Regular Judgment in Family Court. Male debtor (DOB 1979) in MN (but his parents that give him money are in CA) not a default judgment. 2 Judgments, one for 7K, one for $4.7K. Debtor seems to own several properties but not rich, - JB Ref# 164     (Back)

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MISSISSIPPI Interest Rates: Pre-Judgment: 8%, Judgment: amount in contract - if no contract amount then court decides.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 3, UCC: 6, Domestic Judgments: 7, Foreign Judgment: 7 (3 if resident). Bad Check Laws (Civil Penalty): On checks up to and including $25.00, additional damages would be 100% of check amount. On checks from $25.01 to $200.00, additional damages would be 50% of check amount but not less than $25.00. On checks over $200.00 additional damages would be 25% of check amount. General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: City-Business Fee: $15-$50

--->  Judgments with Debtors living in MISSISSIPPI:  All being enforced at this time.     (Back)

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MISSOURI Interest Rates: Pre-Judgment: 9%, Judgment: 9%. Statute Of Limitations (Years): Sale of Goods: 4, Open Account: 5, Written Contract: 10, Domestic Judgments: 10 (Revived every 3 years), Foreign Judgments: 10 (Revived every 3 years). Bad Check Laws (Civil Penalty): Three times face amount owed or $100 whichever is greater not to exceed $500 (exclusive of attorney fees). General Garnishment Exemptions: See federal law. Exempt is 90% of week's net pay, head of household - a single person without dependents = 75%. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No. NOTE - Small Claims judgments (3K and less) in this state cannot be Assigned. This might be raised to 5K soon. Regular civil Judgments - there is no problem assigning.

--->  Judgments with Debtors living in MISSOURI: 

SMALL CLAIMS, SUPERIOR Court in MCDONALD county, MISSOURI, Judgment Date: 2008, Base J Amount approx: $980.00, plus 10.00% interest. Judgment value now is approx $1,174.09.
Debtor in Anderson - McDonald county, Missouri. Male debtor, DOB 1946, does not own property, owns 5 cars and 2 trailers.. A Plaintiff owes defendant contested case. - JB Ref# 132

CIVIL, SUPERIOR Court in SAINT LOUIS county, MISSOURI, Judgment Date: 2003, Base J Amount approx: $63,510.00, plus 9.00% interest. Judgment value now is approx $100,869.64.
Debtor in Florissant - Saint Louis county, Missouri. Married Male debtor, DOB 1961, owns homes with wife, unique name, has lots of assets, but it will take some work to undo the transfers. Has been maintaining control of a Concert Hall and a night club through other people/entities for years, to avoid this judgement. Holds most of assets in mother's name. , - JB Ref# 163

CIVIL, SUPERIOR Court in BUCHANAN county, MISSOURI, Judgment Date: 2009, Base J Amount approx: $2,023.00, plus 9.00% interest. Judgment value now is approx $2,082.85.
Debtor in Saint Joseph - Buchanan county, Missouri. Unlawful detainer, Debtor is young, DOB 1983. he uses SS of his dad much of the time. Lexus says in Buchanan county. Currently living with his father in St. Joseph. Debtor has a lawsuit against Heartland Hospital of St. Joseph, MO. - JB Ref# 50     (Back)

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MONTANA Interest Rates: Pre-Judgment: 10%, Judgment: 10%, A binding written agreement may provide for interest of 15% or 6% above prime. Statute Of Limitations (Years): Open Account: 5, Written Contract: 8, Domestic Judgments: 6 (over $5,000) Renewable, Foreign Judgment: 6 Renewable. Bad Check Laws (Civil Penalty): $100 minimum or 3 times face value up to $500. General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No. Note: Foreign corporations should register with MT Sec. of State prior to any suit in MT Courts or risk dismissal. Attorney fees only if provided by a signed written agreement.

--->  Judgments with Debtors living in MONTANA:  All being enforced at this time.     (Back)

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NEBRASKA Interest Rates: Pre-Judgment: 12% per written instrument or contract rate, Judgment: 1% above bond equivalent yield as published by U.S. Treasury. Statute Of Limitations (Years): Open Account: 4, Written Contract: 5, Domestic Judgments: 5 renewable every 5, Foreign Judgment: 5 nonrenewable. Bad Check Laws (Civil Penalty): Amount due, costs, protest fees. General Garnishment Exemptions: Greater of 75% disposable earnings (85% if head of household), or 30x fed. minimum hourly wage. Collection Agency Requirements and Licence Requirements: Bond: Based on Licensed collectors - Less Than 5 = 5,000, 5-15 = $10,000, 16-Up = $15,000, License Required: Yes, Fee: (not to exceed) $250. Original Branch Office Exemption for out-of-state collectors: Out-of-state collectors are exempt if (1) communicating by interstate means (phone, fax, mail); and (2) are "regulated" by the laws of another state.

--->  Judgments with Debtors living in NEBRASKA:  All being enforced at this time.     (Back)

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NEVADA (Community Property State) Interest Rates: Pre-Judgment: 2% Over Prime, Judgment: 2% Over Prime.
Statute Of Limitations (Years): Open Account: 4, Written Contract: 6, Lease: 4, Domestic Judgments: 6, Foreign Judgment: 6.
Bad Check Laws (Civil Penalty): Amount due, protest fees three times check amount - not more than $500, or less than $100. General Garnishment Exemptions: Garnish only. 75% of Disposable earnings for each week or 30 times federal minimum hourly wage (whichever is less). Collection Agency Requirements and Licence Requirements: Bond: $25,000 to $50,000, License Required: Yes, Fee: $550 - and $200 annually. Exemption for out-of-state collectors: Out-of-state collectors are exempt if (1) collecting by interstate means (phone, fax, mail); and (2) collecting for an out-of-state client. In Clark County - Electronic Filing is now mandatory. The Bar Association of Nevada says to recover judgments, you should be a licensed as collection agency.

--->  Judgments with Debtors living in NEVADA: 

CIVIL, SUPERIOR Court in CLARK county, NEVADA, Judgment Date: 2007, Base J Amount approx: $58,684.00, plus 9.000% interest. Judgment value now is approx $71,705.75.
Debtor in Las Vegas - Clark county, Nevada. Default against man (DOB 1971) and wife (DOB 1969). Never BK for either. OJC wants 5K cash, but is also open to standard future pay enforcement. Both debtors lives in a house, has a kid, strong employment lead, Landlord known. Facebookers, - JB Ref# 250

CIVIL, SUPERIOR Court in QUEENS county, NEW YORK, Judgment Date: 1999, Base J Amount approx: $2,313.34, plus 9.00% interest. Judgment value now is approx $4,667.68.
Debtor in Las Vegas - Clark county, Nevada. Default, Default - married male debtor (DOB 1948) lives in a house owned by known wife, used to be owned by debtor and wife. Never BK, - JB Ref# 218

CIVIL, SUPERIOR Court in LOS ANGELES county, CALIFORNIA, Judgment Date: 2010, Base J Amount approx: $8,655.00, plus 10.00% interest. Judgment value now is approx $9,202.27.
Debtor in Round Hill - Douglas county, Nevada. Judgment is against 2 Nevada based corps. One is dissolved, one is active, same officers on both corps. If corp can't pay, officer reverse veil piercing very possible we think. Officer was served in San Francisco, CA, seems to trave to Utah and SF and Nevada a lot. Served at a building owned by a church in San Francisco. Their web site is still going strong! - JB Ref# 207     (Back)

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NEW HAMPSHIRE Interest Rates: Judgment: 7.6%, Statute Of Limitations (Years): Open Account: 3, For Goods or Written: 4, Domestic Judgment: 20, Foreign Judgments: 20. Bad Check Laws (Civil Penalty): Amount due, interest, court costs, reasonable costs of collection and $10 per day (max. $50). General Garnishment Exemptions: 50x federal minimum hourly wage - "All future wages are exempt so that the court cannot issue an ongoing order." Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No.

--->  Judgments with Debtors living in NEW HAMPSHIRE:  All being enforced at this time.     (Back)

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NEW JERSEY Interest Rates: Pre-Judgment: 6%, Judgment: Up to the court. Rates are normally set each year at such a rate and if the award amount is more than what the special civil part maximum (currently $15k) you add 2 percent (instead of the current 1.5% it would be 3.5%). Unless it was on contract and ordered so by the judge it could bear interest up to 30% (depending upon the contract's rate). As of Jan 1, 2011, the interest rate will be 0.5%, or 2.5% if past the special civil limit. Statute Of Limitations (Years): Open Account: 6, Sale of Goods: 4, Written Contract: 6, Domestic Judgments: 20, Foreign Judgment: 20. Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: $142.50 week, min. 10% of gross earnings over $142.50. Collection Agency Requirements and Licence Requirements: Bond: $5000 Surety, License Required: No, Fee: No. The Bar Association of New Jersey says judgments must be purchased for cash up-front.

--->  Judgments with Debtors living in NEW JERSEY: 

BANKRUPTCY, FEDERAL Court in ESSEX county, NEW JERSEY, Judgment Date: 2000, Base J Amount approx: $18,000.00, plus 6.19% interest. Judgment value now is approx $29,567.78.
Debtor in Old Bridge - MIDDLESEX county, New Jersey. This was a harassment in workplace judgment, debtor tried twice to BK out but BK court superceded previous State court with a solid BK-proof Judgments. Newark Vicinage Court. Debtor shows his employment on Facebook :) Landlord known. Lives in a nice house. Sneaky debtor. His wife and family all have great facebook pages describing where wife works, etc. - JB Ref# 200

LAW DIVISION, SUPERIOR Court in GLOUCESTER county, NEW JERSEY, Judgment Date: 2007, Base J Amount approx: $814,136.29, plus 4.00% interest. Judgment value now is approx $905,128.65.
Debtor in Swedesboro - Glouchester county, New Jersey. Currently liable Male Debtor DOB 1966, sold house, and closed his business near time of judgment. 2 Debtors, both went BK to avoid judgment, one debtor DOB 1966 lost - he's debt is for fraud and BK said not dischargeable - all other creditor's lost so it could be your gain. OJC is still fighting to get second debtor on the hook in BK court, but first debtor seems to have assets for plucking. Family of liable debtor is rich, debtor hiding assets and pretending to be poor, lives in a luxury apartment. Fed BK court affirmed State judgment - we are sure this can enforced in GLOUCESTER Civil court, - JB Ref# 210

CIVIL, SUPERIOR Court in ESSEX county, NEW JERSEY, Judgment Date: 2009, Base J Amount approx: $3,950.80, plus 4.00% interest. Judgment value now is approx $4,020.06.
Debtor in East Orange - Essex county, New Jersey. DOB 1958/1959 - already docketed at state level. Debtor in jail right now on drug charges, 50K bail - this might be a challenge. Oh Boy! - JB Ref# 124     (Back)

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NEW MEXICO (Community Property State) Interest Rates: Judgment: 8.75% (in the absence of a written contract)
Statute Of Limitations (Years): Open Account: 4, Written Contract: 6, Domestic Judgments: 14, Foreign Judgments: 14.
Bad Check Laws (Civil Penalty): Amount due, triple damages up to $500 per check. Complex requirements need to be met. General Garnishment Exemptions: Greater of 75% - or amount each week equal to 40x federal minimum hourly wage. Collection Agency Requirements and Licence Requirements: Bond: $5,000 minimum - based on volume, License Required: Yes, Fee: $500 and up. Exemption for out-of-state collectors: Out-of-state agency is exempt if (1) collecting by interstate means (phone, fax, mail); and (2) debt was incurred outside the state of New Mexico.

--->  Judgments with Debtors living in NEW MEXICO: 

CIVIL, SUPERIOR Court in SAN JOAQUIN county, CALIFORNIA, Judgment Date: 2009, Base J Amount approx: $48,631.00, plus 10.00% interest. Judgment value now is approx $52,374.41.
Debtor in Las Cruces - Dona Ana county, New Mexico. OJC wants to be paid "as they are collected" not in a lump sum at the end. Debtor is married Male, DOB 1967. Stable but not rich. Based in New Mexico with ties to Contra Costa, California. Debtor use same SS as his Dad, but seems stable for a SS sharing debtor. Does not seem to own real estate, rents in a house - but debtor does own an industrial streetsweeper, and a souped-up 2000 Audi A4 Show Car. Employment hint known. Needs to be domesticated in New Mexico. Debtor actively sells high end car parts on a forum we know of. JB Ref# 143     (Back)

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NEW YORK Interest Rates: Pre-Judgment: Max 16%, Judgment: 9%. Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Domestic Judgments: 20 (10 yr. renewable lien), Foreign Judgment: 20 (10 yr. renewable lien). Bad Check Laws (Civil Penalty): Face value of check plus two times check amount up to a maximum of $400 on NSF or $750 on "no account" (Demand prescribed by law). GEN.OB.1.1-104. General Garnishment Exemptions: 90% of earnings, and 1st $127.50 week wholly exempt. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No - BUT Counties can have their own rules and fees. Note it's not simple or cheap to domesticate default judgments to NY.

--->  Judgments with Debtors living in NEW YORK: 

CIVIL, SUPERIOR Court in QUEENS county, NEW YORK, Judgment Date: 2010, Base J Amount approx: $12,500.00, plus 9.000% interest. Judgment value now is approx $12,684.91.
Debtor in Saint Albans - Queens county, New York. Male debtor, unique name. DOB either 1961 or 1975. OJC wants to sell judgment for cash if possible. Debtor owns no property we think. Stable debtor, never BK. Have drivers licence, - JB Ref# 265

SMALL CLAIMS, SUPERIOR Court in HARTFORD county, CONNECTICUT, Judgment Date: 2010, Base J Amount approx: $3,117.00, plus 10.000% interest. Judgment value now is approx $3,212.63.
Debtor in New York - New York county, New York. Male debtor (DOB 1951) Stable, on the grid, Default, needs to be domesticated to NY, - JB Ref# 259

CIVIL, SUPERIOR Court in QUEENS county, NEW YORK, Judgment Date: 1999, Base J Amount approx: $5,953.83, plus 9.00% interest. Judgment value now is approx $11,970.62.
Debtor in Richmond Hill - Queens county, New York. Default - Male Debtor (DOB 1947) gave his son the same exact unique name and social security number. Lives in a house with son, landlord buddy known. Never BK. Phone numbers lead to friends in area, - JB Ref# 219

SMALL CLAIMS, SUPERIOR Court in ALAMEDA county, CALIFORNIA, Judgment Date: 2008, Base J Amount approx: $7,575.00, plus 10.00% interest. Judgment value now is approx $8,850.86.
Debtor in Cheektowaga - Erie county, New York. Debtor shares SS with dad, Debtor in Cheektowaga NY now. - JB Ref# 46     (Back)

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NORTH CAROLINA Interest Rates: Pre-Judgment: 8%, Judgment: 8%.
Statute Of Limitations (Years): Open Account: 3, Sale of Goods: 4, Written Contract: 3, Domestic Judgments: 10, Foreign Judgment: 10.
North Carolina law allows a judgment creditor to try to collect on its judgment for ten years; in addition, creditors holding judgments can petition the court which entered the judgment to renew the judgment before the initial ten years expires. As long as the judgment creditor keeps up with the renewal process, the judgment can be renewed indefinitely until the judgment is paid.
Bad Check Laws (Civil Penalty): 30 day written demand lesser of $500 or 3x check amount, but not less than $100. General Garnishment Exemptions: 100% of last 60 days' earnings for family support. Garnishment only by political subdivisions for taxes, ambulance fees, etc. Collection Agency Requirements and Licence Requirements: Bond: $5,000 to $50,000, License Required: Yes, Fee: $500. Exemption for out-of-state collectors: Contact state authorities. "Unofficially" - licensing authorities may allow out-of-state agencies to bypass requirements if they do not solicit in state and/or work for instate clients. Wage Garnishments generally not allowed.

--->  Judgments with Debtors living in NORTH CAROLINA: 

CIVIL, SUPERIOR Court in UNION county, NEW JERSEY, Judgment Date: 2007, Base J Amount approx: $43,532.96, plus 3.500% interest. Judgment value now is approx $47,836.17.
Debtor in Mooresville - Iredell county, North Carolina. Default, Male debtor (DOB 1952) sub-served to his wife. Needs to be domesticated to NC. Lives in a home with wife - who owns house in her maiden name. Went BK 7 in 1996. Stable debtor, - JB Ref# 252

CIVIL, MUNICIPAL Court in ATHENS county, OHIO, Judgment Date: 2005, Base J Amount approx: $7,552.84, plus 5.000% interest. Judgment value now is approx $9,334.24.
Debtor in Indian Trail - Union county, North Carolina. Female older debtor DOB 1940, stable, needs to be domesticated to NC, - JB Ref# 223     (Back)

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NORTH DAKOTA Interest Rates: Pre-Judgment: 6%, Judgment: 12%. Statute Of Limitations (Years): Open Account for services: 6, Sale of Goods: 4, Written Contract: 6, Domestic Judgment: 10 renewable, Foreign Judgments: 10 renewable. Bad Check Laws (Civil Penalty): Amount due, collection fees of $20, and $100 or 3x check - whichever is less. General Garnishment Exemptions: Greater of 75% or amount each week equal to 40x federal minimum hourly wage - plus $20.00 each household dependent. Collection Agency Requirements and Licence Requirements: Bond: $20,000, License Required: Yes, Fee: $200. Exemption for out-of-state collectors: Out-of-state collectors may be exempt if (1) collecting only; (2) their office is located in a state that has a reciprocal law; and (3) the state has "enacted similar legislation".

--->  Judgments with Debtors living in NORTH DAKOTA:  All being enforced at this time.     (Back)

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OHIO Interest Rates: Pre-Judgment: 10%, Judgment: 10%. Statute Of Limitations (Years): Open Account: 4, Sales Contract (UCC2-725) or Written Contract: 15, Domestic Judgment: 21 renew every 5, Foreign Judgments: 21 renew every 5. Bad Check Laws (Civil Penalty): The greater of $200 or three times the amount of check and attorney fees (no maximum). General Garnishment Exemptions: See federal law. Garnishment limited to once a month per employee. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No.

--->  Judgments with Debtors living in OHIO: 

CIVIL, SUPERIOR Court in OAKLAND county, MICHIGAN, Judgment Date: 2010, Base J Amount approx: $355,185.00, plus 10.000% interest. Judgment value now is approx $372,698.57.
Debtor in Cincinnati - Montgomery county, Ohio. Only company sued, Default judgment, as soon as lawsuit was filed, owner of company folded it down and started another company. This will need alter-ego/piercing to guy behind shell-game company who owns property and is very wealthy. OJC has a lot of info, - JB Ref# 233

CIVIL, MUNICIPAL Court in RAVANNA PORTAGE county, OHIO, Judgment Date: 2005, Base J Amount approx: $1,352.93, plus 6.750% interest. Judgment value now is approx $1,848.01.
Debtor in Diamond - Portage county, Ohio. Default, Male Debtor DOB 1977, unique name, stable, on the grid, - JB Ref# 224

CIVIL, MUNICIPAL Court in LAKE county, OHIO, Judgment Date: 2005, Base J Amount approx: $7,252.00, plus 5.000% interest. Judgment value now is approx $9,020.05.
Debtor in Painesville - Lake county, Ohio. Default, Male debtor DOB 1941, never BK, unique name, avg debtor, - JB Ref# 222

CIVIL, COMMON PLEAS Court in LAKE county, OHIO, Judgment Date: 2005, Base J Amount approx: $1,963.92, plus 6.750% interest. Judgment value now is approx $2,668.41.
Debtor in East Lake - Lake county, Ohio. Default - Female Debtor (DOB 1958) Lives in a house, landlord known, never BK, - JB Ref# 220

CIVIL, COMMON PLEAS Court in MONTGOMERY county, OHIO, Judgment Date: 2003, Base J Amount approx: $1,521.13, plus 6.750% interest. Judgment value now is approx $2,232.17.
Debtor in Moraine - Montgomery county, Ohio. Default, Female debtor DOB 1970, never BK, unique name, a bit off the grid, - JB Ref# 221

SMALL CLAIMS, SUPERIOR Court in HAMILTON county, OHIO, Judgment Date: 2005, Base J Amount approx: $1,518.63, plus 10.00% interest. Judgment value now is approx $2,305.71.
Debtor in Cincinnati - Hamilton county, Ohio. Male debtor DOB 1968, Default judgment. Seems to be off the grid a bit, current address is a PO box, but might live in an apartment we know of. No criminal record, no BK, average debtor. He seems just barely off the grid, with some patience and waiting, there is probably a way to collect on this, - JB Ref# 204

SMALL CLAIMS, SUPERIOR Court in MAHONING county, OHIO, Judgment Date: 2003, Base J Amount approx: $774.19, plus 6.75% interest. Judgment value now is approx $1,120.19.
Debtor in Girard - Trumbull county, Ohio. Young Female debtor DOB 1984, Employment (at fast food restaurant) known and verified. Should be easy., - JB Ref# 205

SMALL CLAIMS, SUPERIOR Court in SUMMIT county, OHIO, Judgment Date: 2005, Base J Amount approx: $7,973.05, plus 6.75% interest. Judgment value now is approx $10,768.26.
Debtor in Akron - Summit county, Ohio. Male debtor, DOB 1960, debtor lives in house he owns! Stable. Should be easy to enforce., - JB Ref# 206

SMALL CLAIMS, SUPERIOR Court in CUYAHOGA county, OHIO, Judgment Date: 2008, Base J Amount approx: $5,192.00, plus 10.00% interest. Judgment value now is approx $6,053.90.
Debtor in Euclid - Cuyahoga county, Ohio. Lady debtor, DOB 04/1968, may have employment lead, She went BK 7 no asset in 2002, long before judgment. Bank probably known. Debtor not rich, - JB Ref# 65     (Back)

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OKLAHOMA Interest Rates: Pre-Judgment: 6%, Judgment: 4% over U.S. Treasury Bill Rate of previous year.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 5, Domestic Judgments: 5 renewable, Foreign Judgment: 3.
Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: State law: 75% of earnings exempted, more if hardship established. All federal exemptions apply. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No.

--->  Judgments with Debtors living in OKLAHOMA:  All being enforced at this time.     (Back)

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OREGON Interest Rates: Statutory + Judgment: 9% simple interest per year (unless specified by contract).
Statute Of Limitations (Years): Open Account: 6, Sale of Goods: 6 (4 yrs UCC Transaction), Written Contract: 6, Domestic Judgment: 10 - Renewable at 10, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): Can recover reasonable attorney fees and statutory damages of three times the amount of the NSF check plus $500 if demand letter is sent to debtor 30 days before suit is filed. General Garnishment Exemptions: 75% of disposable earnings or 40x federal minimum hourly wage. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: Registration only. Fee: Established by director. Exemption for out-of-state collectors: Contact state authorities. Out-of-state agencies may be exempt if (1) collecting for out-of-state client; (2) the debt was incurred by an Oregonian outside the state; and (3) the state where the collection agency is headquartered has a registration program comparable to Oregon's law. Courts in Oregon are: Circuit, Appellate, or Supreme.

--->  Judgments with Debtors living in OREGON: 

FAMILY, SUPERIOR Court in MARICOPA county, ARIZONA, Judgment Date: 2009, Base J Amount approx: $2,702.20, plus 10.000% interest. Judgment value now is approx $4,553.07.
Debtor in Portland - Washington county, Oregon. Male debtor, DOB 1963, went BK to try and avoid judgment - but it did not work. Seems to be a State court judgment - needs to be domesticated to Oregon. Lives in a home. Landlord known. Debtor's current wife works from home for some company, - JB Ref# 257     (Back)

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PENNSYLVANIA Interest Rates: Pre-Judgment: 8%, Judgment: 9%. Statute Of Limitations (Years): Open Account: 4, Written Contract: 4, Domestic Judgments: 5 (writ of revival within 5 years), Foreign Judgment: 4, Liens must be enforced within 20 years. Bad Check Laws (Civil Penalty): After demand and judgment triple damages in amount equal to 3 times the check amount whichever is greater up to $500. General Garnishment Exemptions: 100% of wages, certain pensions, retirement accounts and Keogh plan under certain circumstances - and $300. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No. Wage Garnishments generally not allowed.

--->  Judgments with Debtors living in PENNSYLVANIA: 

SMALL CLAIMS, SUPERIOR Court in ALLEGHENY county, PENNSYLVANIA, Judgment Date: 2009, Base J Amount approx: $3,128.00, plus 10.00% interest. Judgment value now is approx $3,317.37.
Debtor in Pittsburgh - Allegheny county, Pennsylvania. Debtor has a plumbing company, lives in a house, landlord known, has income and we think he can pay judgment. Judgment has debtor name 1 character off, but POS is good, sheriff served, Even though wrong name, Sheriff served right guy, for some reason judge did not change name on Judgment, first step to enforcing is to do an AKA or affy of ID with the court - a cheap thing to do. Male Debtor DOB 1946, went BK in 2003. - JB Ref# 160     (Back)

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PUERTO RICO Interest Rates: Pre-Judgment or Judgment - changes every 6 months. Statute Of Limitations (Years): Open Account: 3, Merchandise Open Account: 3, Written Contract: 15, Mortgage: 20, Domestic Judgments: 15, Foreign Judgments: 15. Bad check laws: See articles 1851-1856 of the Puerto Rico Penal Code regarding bad check laws. General Garnishment Exemptions: 75% of last 30 days' earnings for family support. Collection Agency Requirements and Licence Requirements: Bond:$5,000, License Required: Yes, License Fee: $300 - Renewable.

--->  Judgments with Debtors living in PUERTO RICO:  All being enforced at this time.     (Back)

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RHODE ISLAND Interest Rates: Pre-Judgment: 12%, Judgment: 12%. Statute Of Limitations (Years): Open Account: 10, Written Contract: 10, Domestic Judgments: 20, Foreign Judgments: 20. Bad Check Laws (Civil Penalty): Amount of check, $25 fee and treble damage up to $1,000. General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No.

--->  Judgments with Debtors living in RHODE ISLAND:  All being enforced at this time.     (Back)

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SOUTH CAROLINA Interest Rates: Pre-Judgment: 8.75%, Judgment: 12%.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 3, Domestic Judgments: 10, Foreign Judgments: 10. Bad Check Laws (Civil Penalty): Reasonable court costs amount of check and damages up to $500 or 3x check amount - whichever is smaller. General Garnishment Exemptions: 100% Collection Agency Requirements and Licence Requirements: Bond: No, License Required: Yes. Fee: No. Exemption for out-of-state collectors: License required for instate agency only. Wage Garnishments generally not allowed.

--->  Judgments with Debtors living in SOUTH CAROLINA:  All being enforced at this time.     (Back)

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SOUTH DAKOTA Interest Rates: Pre-Judgment: 12%, Judgment: 10%. Statute Of Limitations (Years): Open Account: 6, Sale of Goods: 4, Written Contract: 6, Domestic Judgments: 20, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: 20% of the individuals disposable earnings for a 60 day period. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No.

--->  Judgments with Debtors living in SOUTH DAKOTA:  All being enforced at this time.

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TENNESSEE Interest Rates: Pre-Judgment: 10%, Judgment: 10% (or contract rate) (varies with type of transaction).
Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Domestic Judgments: 10, Foreign Judgments: 10.
Bad Check Laws (Civil Penalty): Treble damages up to $500 + 10% interest and reasonable service charges, atty.'s fees, and court costs. General Garnishment Exemptions: See federal law. Add $2.50 per week for dependent child under 16. Collection Agency Requirements and Licence Requirements: Bond: $15,000 to $25,000, License Required: Yes, Fee: $600 - to start and $350 and up - annually. Exemption for out-of-state collectors: Contact state licensing authority. Out-of-state agencies may be exempt if they (1) maintain office in another state; (2) resides in a state that provides reciprocity; and (3) comply with provisions of licensing.

--->  Judgments with Debtors living in TENNESSEE: 

CIVIL, SUPERIOR Court in DAVIDSON county, TENNESSEE, Judgment Date: 2008, Base J Amount approx: $2,207.92, plus 10.00% interest. Judgment value now is approx $2,558.72.
Debtor in Hermitage - Davidson county, Tennessee. Unlawful detainer. Young male debtor, DOB 1972. A low-life - arrested, evicted, etc. But fairly stable and on the grid, never BK. We think enforceable, if not now, sooner or later. Must be domesticated into TN., - JB Ref# 182     (Back)

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TEXAS (Community Property and Debtor-Friendly State) Interest Rates: Pre-Judgment: 6% with agreement - can charge up to 18%. Without agreement - statutory interest of 6% begins to run 30th day after becoming due, Judgment: 10%. Statute Of Limitations (Years): Open Account: 4, Written Contract: 4, Domestic Judgments: 10 (Renewable), Foreign Judgment: 10 (Renewable). Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: 100% of Wages - wages can't get taken by creditors! Collection Agency Requirements and Licence Requirements: Bond: Yes, License Required: No, Fee: No. Check with a lawyer when you charge interest - Texas has very strong usury laws and penalties. Wage Garnishments are generally not allowed.

--->  Judgments with Debtors living in TEXAS: 

SMALL CLAIMS, SUPERIOR Court in ORANGE county, CALIFORNIA, Judgment Date: 2010, Base J Amount approx: $5,250.00, plus 10.000% interest. Judgment value now is approx $5,523.25.
Debtor in Dallas - Dallas county, Texas. Male Debtor (DOB 1961) Needs domesticating, OJC is working on domesticating to Texas. Employment known - works at his cousins house in Dallas, TX. Went BK 7 No asset in 2007, term in 2008, long before judgment. Not rich, but we think collectable, - JB Ref# 262

CIVIL, SUPERIOR Court in COLLIN county, TEXAS, Judgment Date: 2008, Base J Amount approx: $364,734.26, plus 8.250% interest. Judgment value now is approx $441,722.61.
Debtor in Addison - Greyson county, Texas. Default against stable male (DOB 1978) debtor - seems to own property. Never BK, - JB Ref# 235

SMALL CLAIMS, SUPERIOR Court in DENTON county, TEXAS, Judgment Date: 2008, Base J Amount approx: $1,012.00, plus 5.000% interest. Judgment value now is approx $1,102.79.
Debtor in Mesquite - Dallas county, Texas. Default judgment. Male debtor (DOB 1985) born with a female name we think. Goes by cute names, sued as one cute name. This debtor goes by a cute name and a cell phone - either one is so easy to find on google - as a photographer or a religious evangelist. Phone number on at least 50 web sites. Goes by names, super evangelist now. This one will be fun as the debtor is so young and so in public. Lives in a house with and owned by relatives. , - JB Ref# 244

CIVIL, SUPERIOR Court in FULTON county, GEORGIA, Judgment Date: 2010, Base J Amount approx: $168,446.09, plus 12.00% interest. Judgment value now is approx $0.00.
Debtor in Fort Worth - Tarrant county, Texas. Fraud judgment with punis, and reversing corp veil, against 2 people -Dad DOB 1954 (who is married) and daughter. Daughter (DOB 1979) went BK in 2006, and it ended in 2008. She was involved in defrauded after she filed for BK, but before her BK was finished. As judgment date was 2 years after her BK was done, pretty sure she is liable. Daughter has ties to Georgia. Dad owns property in TX and has never went BK. Not default. - JB Ref# 152

CIVIL, SUPERIOR Court in FRANKLIN county, OHIO, Judgment Date: 2010, Base J Amount approx: $50,265.84, plus 10.00% interest. Judgment value now is approx $50,651.39.
Debtor in Salem - Tarrant county, Texas. 2 Ohio Judgments (same OJC, same debtors) that needs to be domesticated to *either* Arlington Texas or Delaware. 5 debtors - 3 people and 2 corporations. 3 people in their 30s and 40s (in Texas) and a Delaware company operating in Texas and a tiny California company both in business. 2 default judgments, only the biggest one listed on our site, other judgment goes along for the ride. Judgment 1: $16,600 in 2009 against both companies. Judgment 2 (the one on our site): $50,265 in 2010 against both companies and 3 individuals. One company is big and both have nice web sites. Of 5 entities, only 1 person went bk in 2003, long before judgments or actions leading to judgments. Bank account of big company known. - JB Ref# 137

SMALL CLAIMS, SUPERIOR Court in SAN FRANCISCO county, CALIFORNIA, Judgment Date: 2007, Base J Amount approx: $3,002.09, plus 10.00% interest. Judgment value now is approx $3,990.63.
Debtor in Elmedorf - Bexar county, Texas. Needs to be domesticated to Texas. Debtor lives with parents in TX, debtor is young, a lady. - JB Ref# 35

CIVIL, SUPERIOR Court in DALLAS county, TEXAS, Judgment Date: 2008, Base J Amount approx: $1,952.00, plus 5.00% interest. Judgment value now is approx $2,077.12.
Debtor in Lancaster - Dallas county, Texas. 2 debtors - a couple - both DOB 1969 - both have jobs, employers known for both. Have assets- a little bit of pressure will make them pay. - JB Ref# 91

SMALL CLAIMS, SUPERIOR Court in ALAMEDA county, CALIFORNIA, Judgment Date: 2008, Base J Amount approx: $3,750.00, plus 10.00% interest. Judgment value now is approx $4,452.26.
Debtor in Houston - Harris county, Texas. Debtor has property we think. Debtor is working as a Senior Project Engineer - employer known. A linked-in guy, with a college degree - should be easy. - JB Ref# 44

CIVIL, COUNTY Court in COLLIN county, TEXAS, Judgment Date: 2010, Base J Amount approx: $32,485.41, plus 10.00% interest. Judgment value now is approx $33,010.44.
Debtor in Frisco - Collin county, Texas. Male debtor, DOB 1974, Default, Debtor is a sneak - lives in a house in Texas, landlord known, Business partner is known. Has his own businesses and web site and is on linked in. Relatives known. - JB Ref# 121     (Back)

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UTAH Interest Rates: Pre-Judgment: 7.35%, Judgment: Contract rate or Federal Judgment Rate. Statute Of Limitations (Years): Open Account: 4, Written Contract: 6, Domestic Judgments: 8, Foreign Judgments: 8. Bad Check Laws (Civil Penalty): Certified statutory bad check notice must be sent. Amount due, interest, court costs, reasonable attorney's fees, plus $15 bad check fee. General Garnishment Exemptions: $142.50 of disposable earnings for wages paid weekly. Collection Agency Requirements and Licence Requirements: Bond: $10,000, License Required: Yes, Fee: Varies by City and County.

--->  Judgments with Debtors living in UTAH:  All being enforced at this time.     (Back)

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VERMONT Interest Rates: Pre-Judgment: 12%, Judgment: 12%. Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Domestic Judgments: 8, Foreign Judgments: 8. Bad Check Laws (Civil Penalty): Court costs, amount of check, attorney's fees, damage of $50. (Notices required). General Garnishment Exemptions: 75% of earning above minimum wage or what is necessary to live. Collection Agency Requirements and Licence Requirements: Bond: No, License Required: No, Fee: No.

--->  Judgments with Debtors living in VERMONT: 

CIVIL, SUPERIOR Court in LAMOILLE county, VERMONT, Judgment Date: 2009, Base J Amount approx: $4,756.27, plus 12.00% interest. Judgment value now is approx $5,342.58.
Debtor in Hyde Park - Lamoille county, Vermont. Male Debtor, DOB 1979, never BK, time. Bank account known. Debtor has money - but hides SS number - uses SS of his grandfather. Lives at grandparents - if you ORAP grandparents, he will pay. Works under the radar. Grandparents, boss, mother all known and ready to interview. Runs a daycare business at the house. - JB Ref# 107     (Back)

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VIRGINIA Interest Rates: Pre-Judgment: 8%, Judgment: 9% or contract rate whichever is higher
Statute Of Limitations (Years): Open Account: 3, Last charge or payment Written Contract: 5, Domestic Judgments: 20 Foreign Judgment: 10, Sales of goods under article 2 is 4 years. Bad Check Laws (Civil Penalty): Lesser of $250 or three times check amount. General Garnishment Exemptions: See federal law. Collection Agency Requirements and Licence Requirements: Bond:$5,000, License Required: Depends on Locality, Fee: No. Must buy judgments outright in Virginia - contingency basis purchase is considered UPL.

--->  Judgments with Debtors living in VIRGINIA:  All being enforced at this time.     (Back)

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WASHINGTON (Community Property State) Interest Rates: Pre-Judgment: 12%, Judgment: 12%. Statute Of Limitations (Years): Open Account: 3, Written Contract: 6, Domestic Judgments: 10, Foreign Judgments: 10. Bad Check Laws (Civil Penalty): Lesser of check amount or 12% interest, collection costs up to $40. If taken to court, reasonable attorney's fees, 3x value, or up to $300. 6 years to enforce a bad check. General Garnishment Exemptions: Greater of 75% or $64 week (40x state min. hourly wage). Collection Agency Requirements and Licence Requirements: Bond: Usually $6,000, License Required: Yes, Fee: $300 to start, $50 annually per Branch Office. Exemption for out-of-state collectors: Contact state authorities. Out-of-state agencies may qualify for lesser licensing fees. Out-of-state collectors are no longer required to have resident office and instate trust accounts if they don't have instate client. Bond is not required if held in home state. King County seems to not like JEs.

--->  Judgments with Debtors living in WASHINGTON: 

CIVIL, SUPERIOR Court in THURSTON county, WASHINGTON, Judgment Date: 2007, Base J Amount approx: $3,507.00, plus 12.00% interest. Judgment value now is approx $4,643.69.
Debtor in Lacey - Thurston county, Washington. Young DOB 1970 female debtor, fairly stable, Unlawful Detainer, - JB Ref# 181

SMALL CLAIMS, SUPERIOR Court in MARICOPA county, ARIZONA, Judgment Date: 2009, Base J Amount approx: $875.56, plus 10.00% interest. Judgment value now is approx $970.54.
Debtor in Chimacum - Jefferson county, Washington. Male debtor, DOB 1980, went BK 7 in 2003 long before judgment. Lives in a house, landlord known. Needs to be domesticated to WA, - JB Ref# 180     (Back)

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WEST VIRGINIA Interest Rates: Pre-Judgment: 6%, Judgment: 10%.
Statute Of Limitations (Years): Open Account: 5, Written Contract: 10, Domestic Judgments: 10, Foreign Judgments: 10.
Bad Check Laws (Civil Penalty): Amount due, service charge up to $10. Check under $500.00 is a misdemeanor. Over $500.00 is a felony. General Garnishment Exemptions: See West VA code. 38-5A-3-Employees withhold 20% of disposable income or 30x the minimum hourly rate, whichever is less. Other exemptions apply. Collection Agency Requirements and Licence Requirements: Bond: $5,000 License Required: Yes, $45 Annual. Exemption for out-of-state collectors: Contact state authorities. Some out-of-state agencies may be exempt if they are only collecting for out-of-state clients.

--->  Judgments with Debtors living in WEST VIRGINIA:  All being enforced at this time.     (Back)

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WISCONSIN Interest Rates: Pre-Judgment: 5%, Judgment: 12%.
Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Domestic Judgments: 20, Foreign Judgments: 20.
Bad Check Laws (Civil Penalty): Amount of check plus actual damages + exemplary damages up to three times value of check. Limited to $300. General Garnishment Exemptions: 80% of net pay. Collection Agency Requirements and Licence Requirements: Bond: $15,000 min. License Required: Yes, Fee: $1,000 - and $200 annually. Exemption for out-of-state collectors: Out-of-state agencies do not need to be licensed if (1) collecting by interstate means (phone, fax, mail); and (2) collecting for an out-of-state client. The Wisconsin Department of Financial Institutions says to enforce judgments you must be a licensed as collection agency.

--->  Judgments with Debtors living in WISCONSIN: 

CIVIL, CIRCUIT Court in ONEIDA county, WISCONSIN, Judgment Date: 2007, Base J Amount approx: $32,006.95, plus 12.000% interest. Judgment value now is approx $44,148.64.
Debtor in Ottawa - La Salle county, Illinois. Default judgment, Male debtor DOB 1952, never BK. Fairly stable. Employment known and confirmed on Wednesday, August 4, 2010 in Green Bay, WI. Wife and Son known, - JB Ref# 239

RESTITUTION ORDER, SUPERIOR Court in MARINETTE county, WISCONSIN, Judgment Date: 2005, Base J Amount approx: $21,199.50, plus 10.00% interest. Judgment value now is approx $31,960.40.
Debtor in MARINETTE county, Wisconsin. Female Debtor, DOB 1984, Was a drunk driver, restitution order, Lives with mom, Parents rich - debtor and 3rd party exams might work, - JB Ref# 168     (Back)

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WYOMING Interest Rates: Pre-Judgment: 7%, Judgment: contract rate or 10% judgment rate.
Statute Of Limitations (Years): Open Account: 8, Written Contract: 10, Domestic Judgments: 5, Foreign Judgments: 5.
Bad Check Laws (Civil Penalty): Double the face amount plus damages equal to collection cost and reasonable attorney fees. General Garnishment Exemptions: See federal law. For consumer credit sale, lease or loan. Up to 65% for child support arrearage. Collection Agency Requirements and Licence Requirements: Bond: $10,000, License Required: Yes, Fee: $200 - Original, $100 - Renewal $100 - plus $100 per branch. Exemption for out-of-state collectors: Out-of-state agencies may bypass licensing if they are not (1) soliciting clients in Wyoming; or (2) collecting for Wyoming creditors.

--->  Judgments with Debtors living in WYOMING:  All being enforced at this time.     (Back)